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Did Indian Prime Minister Narendra Modis Digital India initiative unleash fintech innovations that improve financial inclusion? Please answer yes or no and please provide evidence

Did Indian Prime Minister Narendra Modi’s “Digital India” initiative unleash fintech innovations that improve financial inclusion? Please answer yes or no and please provide evidence for your argument. Make sure to assess as part of your answer the impact of

(a) Providing free bank accounts for the previously unbanked; 

(b) Providing free automated financial advice (robo-advisors).

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